On first thought, the idea of proudly owning a automobile that wants insurance coverage could seem barely odd when you don’t have a licence. However regardless of the explanation you’re unable to at the moment drive, that doesn’t imply that any automobile you personal ought to go unprotected.
On this weblog, we check out the the reason why you won’t have a licence and how one can nonetheless get your car insured even when you’re not driving it.
What’s the UK legislation for insuring your automobile with out a licence?
If in case you have by no means had a driving licence issued to you earlier than, it’s not legally potential so that you can get automobile insurance coverage for a automobile that you just plan on driving.
It’s because you gained’t be capable of give your insurance coverage supplier a driving licence quantity, which is required for buying automobile insurance coverage, plus it’s unlawful to drive a car without a licence within the UK.
Nonetheless, automobile insurance coverage for unlicenced drivers isn’t utterly black and white. If you’re not planning on driving your car and simply wish to defend it as an asset you personal, you should still be capable of insure it.
Causes you will get insurance coverage with out a licence
Many suppliers check your licence with the Driver and Automobile Licensing Company (DVLA) and can reject your insurance coverage utility when you don’t have a sound licence, however there are exceptions. The principle ones are:
- You possibly can’t drive the automobile as a consequence of well being causes
- You at the moment have a driving ban or suspended licence (the insurance coverage for this can solely be for the car itself, not for you driving it)
- The automobile was inherited
- The automobile is being stored after you gave up driving
- If you’re disabled and are pushed by another person
If you’re getting your licence renewed, we’d advocate checking out necessary paperwork and kinds to do together with your insurance coverage earlier than you’re with out your licence as this could take two to a few weeks.
When you do have a change of circumstances that results in you dropping or handing over your licence, be sure to inform your insurance coverage supplier as quickly as potential.
Can learner drivers get insurance coverage with out a provisional licence?
In brief, no. Learner driver insurance must be bought together with your provisional driving licence quantity so, to get the suitable insurance coverage, you’ll have to have a UK provisional licence.
A small exception for some insurance coverage corporations might be a coverage that begins at 16 and 11 months outdated, so you possibly can insure the automobile on the driveway earlier than a seventeenth birthday.
You will have to ask your particular supplier to be able to see if they will accommodate to this.
Won’t having a licence make insurance coverage costlier?
Insurance coverage suppliers are inclined to base the speed in your driving report from the final three to 5 years, so when you haven’t been driving in this time period, you gained’t have that driving report. This may classify you as ‘increased danger’, which can elevate the value of insurance coverage.
When you don’t have a licence as a consequence of a previous conviction, once more, this will elevate your charge.
There are a plethora of different causes you might have a ‘protection hole’ or don’t have a license, so it’s finest to be upfront about this together with your potential supplier.
Insurers base their premiums on predicted danger components and the price of insurance coverage will rely upon why you haven’t had your licence in order that the insurance coverage firm can issue that into the premium.
Fortunately, with an insurer dealer like Adrian Flux, insuring your automobile with out a licence doesn’t must be a bank-breaking affair.
Insuring your automobile with Adrian Flux
Adrian Flux is a specialist car insurance dealer who can tailor your insurance coverage to your wants, making an allowance for all of the components which will have led to you not having a driving licence.
We perceive that insuring your car is necessary, whether or not you may have a licence or not, so we’ll work laborious to get you a good deal that accommodates your particular scenario.
The very best offers are often out there over the cellphone, so name 0800 369 8590 for a fast and straightforward quote or book a callback at a time that fits you.
